DBH FinanceDHA:DBH 67 Net Margin % is 27.41% as of Mar. 2026, which is 37% below its 10-year median of 43.72. GuruFocus rates DHA:DBH with a GF Score™ of 67/100 and a GF Value™ of BDT41.60 (Fairly Valued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, DBH Finance ranks better than 80.15% on this metric.
Net margin is calculated as Net Income divided by its Revenue. DBH Finance's Net Income for the
three
months ended in Mar. 2026 was BDT196 Mil. DBH Finance's Revenue for the
three
months ended in Mar. 2026 was BDT716 Mil. Therefore, DBH Finance's net margin for the quarter that ended in Mar. 2026 was 27.41%.
The historical rank and industry rank for DBH Finance's Net Margin % or its related term are showing as below:
DHA:DBH'
s Net Margin % Range Over the Past 10 Years
Min: 38.1 Med: 43.72 Max: 56.58
Current: 38.64
DHA:DBH's Net Margin % is ranked better than 80.15% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs DHA:DBH: 38.64
DBH Finance (DHA:DBH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
DBH Finance Net Margin % Related Terms
DBH Finance Net Margin % Historical Data
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The historical data trend for DBH Finance's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, DBH Finance's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
DBH Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, DBH Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where DBH Finance's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
DBH Finance (DHA:DBH) has a Net Margin % of 27.41% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on DBH Finance and its competitors. This is 37% below median its historical median of 43.72. Over the past decade, DBH Finance's Net Margin % has ranged from 38.10 to 56.58. According to the industry distribution chart, DBH Finance ranks #106 out of 534 companies in the Credit Services industry, placing it in the top 19.9%.
Is DBH Finance's Net Margin % too high?
DBH Finance's current Net Margin % of 27.41% is 37% below median its 10-year median of 43.72. Over the past 10 years, this metric has ranged from a low of 38.10 to a high of 56.58. The Credit Services industry median Net Margin % is 14.52. DBH Finance's value of 27.41% is 88.8% above this industry median. Based on the distribution chart, DBH Finance ranks #106 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, DBH Finance has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, DBH Finance ranks #106 out of 534 companies for Net Margin %. This places DBH Finance in the top 20% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. DBH Finance's value of 27.41% is 88.8% above this benchmark. Historically, DBH Finance's own Net Margin % has ranged from 38.10 to 56.58 over the past decade. While the company's 10-year median is 43.72 vs. the industry median of 14.52, DBH Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. DBH Finance's current Net Margin % of 27.41% is 88.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on DBH Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DBH Finance's current Net Margin % is 27.41%, which is 37% below median its own 10-year median of 43.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT41.60, compared to a current price of BDT40.00 — trading 3.8% below its estimated fair value. The current Net Margin % is 27.41%, which is 37% below median its 10-year median of 43.72 and 88.8% above the Credit Services industry median of 14.52. DBH Finance's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For DBH Finance (DHA:DBH), the current Net Margin % is 27.41% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is DBH Finance (DHA:DBH) Overvalued in 2026?
Based on GuruFocus' analysis, DBH Finance stock appears to be undervalued.
The current stock price of BDT40.00 is trading 3.8% below its estimated GF Value™ of BDT41.60.
GuruFocus considers DBH Finance to be Fairly Valued.
Key valuation signals for DHA:DBH:
Net Margin %: 27.41% (37% below median its 10-year median of 43.72)
GF Value™: BDT41.60 vs. price of BDT40.00 (3.8% below fair value)
Industry Position: 88.8% above the Credit Services median (#106 of 534)
No single metric tells the full story. See the DHA:DBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
67GF Score
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